DO NOT obtain a student loan through this company. The employees are all RUDE. If you are one hour late with a payment they start houding you with phone calls. I am on maternity leave and unemployed collecting NO INCOME and they REFUSE to defer my payments. The lady I spoke with on the phone screamed at me and threatened me with collection notices and phone calls if I miss one payment. This company is NOT worth the hassle or money. I would have rather worked at McDonalds and saved money for college then taken a loan out with them. They are SCAM artists! read full review »